davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

I attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts. I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Consumer complaint received 2022-12-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Ive requested a credit increase due to my finances increasing. In the coming months to years I will be need higher revolving credit. I was denied due to credit inquires on my credit profile.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$760.00} XXXX XXXXXXXX {$2300.00} XXXXXXXX XXXX XXXXXXXX {$2200.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was identity thefted, I sent all reports and exsperian refused to fix my report and has refused to help me for years now. I've told them over phone, online, and mail what's wrong on my credit report, and I have emails proving XXXX refused to help me after a XXXX disputes and complaints I've still having issues, it has caused me to be homeless, to loose everything They refuse to remove fraudulent accounts from my report and refuse to fix my name, ive sent paperwork over a XXXX times. The yve called me a liar.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo charged me over {$3000.00} in over draft fees on an account I declined over draft privileges on. I have spent countless hours on the phone and at bank branches for months trying to solve the problem. They refunded {$1800.00} approx. and 2 employees stated I would get the rest back. Once it went up the chain I was told I was lucky I got that back and they would not refund anymore. They caused me many missed hours at work between the phone calls and branch visits. I want all my over draft fees refunded.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (LA)

I purchased a vehicle with XXXX XXXX of XXXX, Louisiana under the impression that it had no mechanical problems. I had the car running for one month straight before problems start occurring with the transmission. I spend hundreds of dollars getting the car towed from one shop to another until the XXXX XXXX had a spot available. It was told to me from the make of the vehicle dealership that the transmission had previous transmission problems since the last owner and that was their reasoning for trading it in. I was presented this vehicle from the salesman under the impression that the vehicle was cleared with service. Before I drove off the lot with the vehicle I kept it in their possession for clearance with service an extra day and I was still lied to about the mechanical problems. I called and spoke with walker XXXX 's used car manager and he stated that he would give me a call back to see if there was a possible solution and I haven't heard anything back. I also contacted the finance company and they also knew that the car had computer system problems before they sold it to me. My contract has already been breached by default due to the salesman mixing a cash transaction with a credit consumer transaction. I traded in my old very reliable XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX  with a XXXX cash deposit totaling XXXX for my down payment. I would like every cent of my down payment back immediately as well as a resolution for cancelling the null and voided contract ASAP! A finance charge has nothing to do with a cash transaction per 16 USC 1635 as well as any interest payment and insurance as it is already included in the finance charge. I was not aware, told nor given time to fully read my contract. I was pressured to sign quickly although the sales manager also spelled my name incorrectly on documents that I still have a copy of and can provide.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (MO)

First progress card is claiming I owe money on a charged off debt 1099-c. This account should show XXXX balances and showing high credit XXXX balance on history. Reporting inaccurate and showing days late this information should not be listed on a closed account
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

After I deposited check to my checking account on XX/XX/2023 amount of {$500.00} they hold some of my deposited for couple days n I dont have enough money to pay my rent on time n I have to pay for late fee for rent
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Our escrow account has been mismanaged : Escrow has been impounded since origination at our convenience. In 2019, we noted that escrow was being impounded at rates significantly in excess of the stated property bills due to supplemental property tax bills that Shellpoint does not handle. We contacted Shellpoint and asked for a refund of the excess in the escrow account so that we could make payment on the account.

Shellpoint was unable to indicate if/when this was possible. We received multiple conflicting statements of balances that would be refunded, none of which reconciled to any amounts.

Additionally, Shellpoint made payment on our earthquake insurance policy, which is not a bill that historically been escrowed/paid for by Shellpoint, as this amount has always been paid out of pocket. This was subsequently refunded by our insurance provider, but put the amount being placed into escrow out of balance. Conversation with customer service indicates that they dont know what bills are supposed to be paid. 
We have been unable to track what payments have been made on our behalf. We have spent significant time and effort on the phone, on hold, and with customer service agents who dont know whats happening. 
We received multiple sets of conflicting instructions on how to get the escrow requirement removed. Multiple requests were denied for not following proper instructions, despite following instructions exactly as provided each time. Final request to eliminate the escrow requirement were denied. 
In response, we are refinancing our loan. Payoff letter generated included the property tax payment due XX/XX/XXXX19 as part of the payoff balance in addition to principal, interest, and fees, despite having over {$20000.00} in the escrow account, and that they would not use the escrow funds to pay. Customer service for Shellpoint ( via conference call with both homeowners ) that if we paid the upcoming tax bill in full and sent them a receipt, they would remove the upcoming tax payment from the payoff amount. Email receipt was emailed to Shellpoint on XX/XX/XXXX19. On XX/XX/XXXX19,  Shellpoint sent a payment for the tax bill using funds in the escrow account ; however, that amount has already been paid. Customer service indicated that the tax assessor would refund the amount directly to the homeowner. Call to the tax assessor indicates that they have not received the check and that payment will be refunded to the originator ( Shellpoint. ) Call to Shellpoint is unwilling to put a stop payment on the check. 


At all steps along the way, customer service has been rude and unknowledgeable. Representatives have denied that conversations happened, despite the prior calls not being with that specific customer service representative. Requests to escalate to a supervisor or managers are uniformly denied. Representatives have said that they do not accept or acknowledge complaints.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX   are reporting incorrectly ( 120 ) days late on the USD/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2022-10-11
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. (GA)

XXXX XXXX XXXX XXXX is showing past due days in XXXX. Ive never been late. I contacted them and they said Id have to contact the credit bureaus because they arent showing me ever late. I contacted the bureaus and theyre still reporting me late. XXXX said they havent been contacted to verify that I have never been late!
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2021 I sent XXXX a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After 30 days of getting no response, I sent another letter on XX/XX/2021 informing them that I havent gotten a response if 30 days so by law they have to remove all unverified accounts. And they have yet to respond to any of my letters. And my certified mail tracking shows letters we successfully delivered. Also XX/XX/2021 I sent Transunion a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After almost 30 days of getting no response from them either, sent another letter on XX/XX/XXXX informing them that I havent got a response in 30 days so by law they have to remove all unverified accounts. And they have yet to response to me as well. And my certified mailing shows mailing was successfully delivered.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This is the third dispute with Experian and XXXX regarding the deletion of the Bankruptcy reporting ( case number XXXX with a case filing date of XX/XX/XXXX and close date of XX/XX/XXXX the New York Federal Bankruptcy Court XXXX XXXX XXXX XXXX In addition to the investigations going well beyond the required 30 days. 

XXXX correctly deleted the reporting because it was unverifiable with the original vendor. However, despite providing evidence in the form of a letter from the Bankruptcy court that they do not report to the credit bureaus. Experian and XXXX have not deleted the reporting and are in violation of the FCRA. Experian and XXXX did not and have not provided proof of who they verified the account i.e. the original vendor being the New York Federal Bankruptcy Court XXXX XXXX or a third-party vendor. 

Therefore, this is grounds for the deletion of the reporting. Please hold them accountable for this violation and instruct them to delete the reporting. immediately.
Consumer complaint received 2021-12-22
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: Bread Financial Holdings, Inc. (GA)

The department store Victoria 's Secret has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX XXXX on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with XXXX. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT
Consumer complaint received 2019-09-09
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. (NY)

Recently, I had 2 XXXX credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. XXXX decided based on just Experian, not all credit reports, to close all my XXXX accounts. I have had credit cards with XXXX for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at XXXX and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. XXXX then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with XXXX. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( Experian ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with XXXX. My banking actions with XXXX are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I was incorrect on the dates in complaint XXXX. I have corrected the dates below : On XX/XX/2019, I paid {$500.00} via my debit card to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid {$700.00} cash, ( new hair XXXX and XXXX for install ) .The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to remove the old hair from my head. After removal, she install the new hair. The woman did a horrible install. On XX/XX/2019, a {$700.00} charge was made by XXXX XXXX through XXXX XXXX XXXX. I was not present when the charge was made, I did not sign the receipt as she forged my signature, I did not receive services for the {$700.00} nor did I authorize the charge nor did I sign the receipt. I was not present at the time of the charge, I was at the gym with a biometric signature at the gym. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have XXXX clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card. I did not sign the receipt. She had my signature on an authorization form which she used to copy my signature. She has done this to 4 other patrons. The police are going to issue a warrant for her arrest for forgery, fraud and theft over $ {$500.00}.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (KY)

Cbe collection said I owed debt I paid with debit card over the phone in full Said they would remove it from my credit report from XXXX if I paid in full they had it taken off and put it right back on I have contact both XXXX  and cbe collections and they blame One another I am trying to buy a house and the collection on my credit report is keeping me from it please help me Resolve it I have online recipe of payment. Thank you
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX