davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ ACCOUNT NUMBER : XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

They know me real well at wells fargo. They tampered with my loan on a vehicle if I could find a lawyer I would prove the harm they caused my family and I. I even had one call from the " office of the president '' to tell me they were not there to help me. They wanted the rest of the money. Also over $ XXXX I. Overdraft and nsf charges that you didn't give me back. That should have never been charged for XXXX transactions. How they held my wife 's insurance check not just in our account, the manager at the office in XXXX ga held it hostage for 10 days. This is not made up. These people tried to ruin our family. All XXXX of us. And XXXX are small children. All of this happened between XX/XX/XXXX and XX/XX/XXXX. When they finally repossessed a brand new XXXX XXXXXXXX lemon. That was broke down in another state for the third time. And still expect us to pay, and we don't even have the vehicle or any of our persons items that were inside the vehicle when it broke down on me in XXXX. It's still on my c re edit report and my wife 's grandfathers and for what, Wells fargo. Also, I just really wish I had the means to afford an attorney to listen to what all you've guys did to us. You know Wells fargo. Wells Fargo owes our family something if it's just a clean slate.
Consumer complaint received 2023-05-17
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)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XXXX
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I submitted an application for mortgage assistance to my loan servicer, Nationstar Mortgage LLC d/b/a " Mr. Cooper '' and it was rejected for insufficient documentation, without specifying what additional documentation they were looking for. The application was rejected several weeks ago, since then I have called and emailed almost daily and have received zero response beyond form letters telling me that I " should receive a communication from your Specialist soon. '' I escalated to the manager, then to the AVP, and have still received zero response. 

The attached record of emails was preceded by many, many calls until I felt that it was necessary to begin documenting my contacts with this company.
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my sixth 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (OH)

On XX/XX/2023, I called PNC XXXX department to make a contribution to my XXXX of {$250.00}. At that time, the representative told me that my contribution should be added to my account in 3-4 days. After almost two weeks, the money wasn't taken out of my checkings. Today I called to see why it hadn't been contributed. They asked me if I had a job. I told them that it was none of their business. They said they had to ask me that and informed me that I couldn't make a contribution to my XXXX unless I was employed. They should have told me that on XX/XX/XXXX. 

I don't know if you handle another type of complaint or not, but at the time of me openings the XXXX with PNC, I received no opening paperwork and had to list a beneficiary. When I asked my branch manager who my beneficiary was, at a later date, she listed 3 incorrect people.
Consumer complaint received 2023-01-24
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX NC ) : # XXXX, ( Original Creditor : XXXX XXXX ) : # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX, ( Original Creditor : XXXX XXXX ) 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 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 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

The borrower on this loan is deceased. The estate has the property under contract, but is unable to get it sold because the lender refuses to provide a payoff. The lender has been provided the letters of administration appointing XXXX XXXX the administrator of the estate, and a signed authorization for the payoff numerous times, first on XX/XX/23, and again on XX/XX/23 on their specified form and then at least four times after said date. Despite this, the lender keeps claiming that XXXX is not authorized on the account and is refusing to provide the payoff. The estate is now at risk of losing the sale because it can't close without a payoff.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

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.

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 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (SC)

I contacted the company to speak on the late fee, I disputed with the bureaus, they moved it, but then put it on another month which is wrong.How can FIRST PROGRESS do this? It still needs to be removed permantly according to consumer law. 15usc1681a-4 privacy obligation not met. 15usc1681b no permission to place on the consumer report. 15usc1666b timing of payment shouldn't be reported. 15usc1681a ( 1 ) a2 transaction history is excluded from the report. 
They didn't get written consent to place anything on my record. Violations are {$1000.00} each or intentional fraud is 2 year prisonment.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX, this so-called Experian sent me another emails 6 times. XXXX sent the same report, which I requested several things to answer in previous complaint. XXXX sent me twice with same content except no 3 other reports, as far as I see. All three had the claim number XXXX XXXX sent me important notice, which asked the personal information three times.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XXXX is hiding under shadow companies threatening language through written communication. I have on several attempts wrote this company and requested who is the XXXX XXXXXXXX XXXX XXXX XXXX they wrote and stated it was XXXX who has reported to XXXX XXXX and public entities of a charged off account and foreclosure when they are not the real party of interest and disputed amounts remain not validated. Because XXXX  companies XXXX XXXX  aka Lakeview Loan servicing aka XXXX XXXX is withholding of QWR ( qualified written request ) for contracts and the withholding of financial accuracies as well as filing fraudulent securities instruments. XXXX XXXX and XXXX XXXX XXXX is the operators for california corporation XXXX XXXX. they refuse to its documents, XXXX documents, Insurance claims and payout, note and mortgage, Controversy is present and no resolution in sight.
Consumer complaint received 2020-03-11
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: EQUIFAX, INC. (FL)

Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of it.
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of it.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Creditor and myself went to court on XXXX for the XXXX XXXX XXXX XXXX Case No XXXX and the plaintiff did not show up to the in person case so it was dismissed by the court. I am not seeking to have the claim removed from my credit report because the company forfeited the right to legal action by not showing up to court. It has not been almost 2 years since the court hearing and I am still dealing with this creditor.
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 information incorrect
Company: Experian Information Solutions Inc. (FL)

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX loan has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX-to present day XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 is the list items which do not belong to me or were opened without my permission. 
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
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-22
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. (NJ)

i reviewed my consumer reports and immediately noticed that i had late payments on accounts they were never late or open on multiple days of the month. Consumer reporting agency have a vital responsibility to report Consumer information the best of their ability with Maximum Accuracy, i have never been late on XXXX XXXX XXXX ACCT # XXXX. Please investigate and proof with statements showing these payments were. If proof cant be provided i demand these payments to be updated to on time as they should be as i was NEVER late. Thank You
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

LEXIS NEXIS AND OTHER REPORTING AGENCIES ARE BUYING AND SELLING INFORMATION EVEN IF ITS WRONG ON BEHALF OF THE AMERICAN PEOPLE. THEY STATED THAT I BELIEVE THAT FCRA AND FDCRP REFER TO THEM. I SIMPLY TOLD THEM THAT THEY ARE DOING IN INJUSTICE TO MYSELF AND THE PEOPLE, TRYING TO AVOID LAWS BOTH WORLDLY AND MORALLY AND MAKING MONEY OFF BUYING, SELLING AND REPORTING INFORMATION ON THE CITIZENS INCLUDING MYSELF. THEY COULDNT EVEN GET MY NAME RIGHT ON THIS REPORT THAT THEY COMPLIED SO WHY WOULD ANY BUSINESS WANT TO BUY ANY INFORMATION FROM THEM UNTIL THE INTENTION IS TO DESTROY THE PEOPLE. I TOLD THEM THIS IS IDENTITY THEFT AND FRAUD, BIG BUSINESS FEELS AS THOUGH THEY HAVE TO NOT FOLLOW WORLDLY AND MORAL LAWS AND PROTECT THE CITIZENS AGAINST INACCURATE INFORMATION, THEY FEEL LIKE THEY DONT HAVE TO VERIFY AN ACCOUNT, NAME, ADDRESS ETC WITH THE CITIZENS, THEY FEEL LIKE I DONT HAVE TO BE COMPENSATED FOR THE PAIN AND SUFFERING THIS FALSE INFORMATION AND REPORTING HAS CAUSED MY YOUNG FAMILY, THEY FEEL LIKE THEY DONT HAVE TO COMPENSATE THE PEOPLE WHEN THY ARE ILLEGALLY BUYING AND SELLING INFORMATION RATHER TRUE OR NOT AND PROFITING, THEY FEEL AS IF THEY ARE UNTOUCHABLE, BUT XXXX DONT BLESS NO MESS! THE TWO BANKRUPTCIES THAT ARE REPORTING ARE NOT MINE AND THEY KNOW IT BECAUSE RATHER PACER IS PUBLIC RECORD OR NOT THEY NEVER VERIFIED IT WITH THE SOURCE! IT HAS TO BE SOME TYPE OF MORALS AND STANDARDS WITH REGARDS TO PROTECTING THE AMERICAN PEOPLE ESPECIALLY XXXX PEOPLE WHO BUILT THIS COUNTRY YET WE ARE ATTACKED EVERY WHICH WAY. LEXIS NEXIS FEELS LIKE THEY ARE IN THE RIGHT, THEY ARE WRONG! SO WHO MAKES THEM FOLLOW LAWS AND PROTECT THE PEOPLE SINCE THEY ARE NOT GOING TO STOP ILLEGALLY WITHOUT PERMISSION COMPILING INFORMATION ON PEOPLE AND PROFITING OFF IT? 

THIS BEHAVIOR IS RECKLESS AND SHOULD BE DEEEMED IDENTITY THEFY AND FRAUD! PLEASE STOP ALLOWING THEM TO GIVE GENERIC RESPONSES AND ALLOWING THEM TO REMAIN RECKLESS TOWARDS ME AND CITIZENS. IF THEY WANT MONEY THEY NEED TO WORK HARD EVERYDAY LIKE THE REST OF US AND STOP GETTING PAID OFF THE SUFFERING OF THE PEOPLE! THEY SHOULD BE ASHAMED.
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. (FL)

The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXXl