davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (NC)

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 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. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 

XXXX XXXX XXXXXXXX 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 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Client, the daughter of the borrower, came to an agreement with a Select Portfolio Servicing representative to submit a payment in the amount of {$1400.00} which would have been sufficient at the time to reinstate the loan. Client submitted a payment of {$1400.00} via XXXX XXXX, which was returned back to her after it was received by SPS with the explanation that it was received on the XXXX  of the month and was insufficient to reinstate together with the late fee that would have been assessed. 

If servicer had processed that payment as promised, our Client would not be in default and would not be facing the fees and costs of a foreclosure.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, Equifax and XXXX to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( s ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXXL on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Regarding Incorrect Negative Account on My Credit Report Due to Identity Theft Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an erroneous account appearing on my credit report, which I believe to be a result of identity theft. I am requesting the immediate deletion of this account from my consumer reports. 

Details of the Incorrect Account : Credit Acceptance Date Reported : Assuming the date on my credit report is correct date open shows XXXX of 2018. 

Upon thorough examination of my credit report, I discovered an account that I neither recognize nor have any association with. This account is being reported as a negative item, significantly impacting my credit score and financial standing. Subsequent investigation and communication with the creditor have confirmed that this account is the result of identity theft. 

Despite taking immediate action to dispute the fraudulent account and providing evidence of the identity theft, it remains on my credit report, posing a severe threat to my financial reputation and well-being. 

The inclusion of this fraudulent account on my credit report is not only unjust but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I am entitled to accurate and up-to-date information on my credit report, and the presence of this fraudulent account undermines this fundamental right. 

Request for Action : I respectfully request the Consumer Financial Protection Bureau to intervene in this matter and facilitate the expeditious removal of the fraudulent account from my consumer reports. The continued presence of this erroneous account not only damages my financial credibility but also exposes me to potential financial liabilities that I am not responsible for. 

Enclosed with this letter are copies of relevant documentation, including the police report, correspondence with the creditor, and my credit report highlighting the erroneous account, for your review and investigation. 

I urge the CFPB to take prompt and decisive action to rectify this situation and restore the accuracy and integrity of my credit report. I kindly request that you keep me informed of any actions taken to address this matter. 

Thank you for your attention to this urgent issue. I appreciate your assistance in resolving this matter swiftly and effectively.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Hi, I recently came across an article regarding Wells Fargo and how they defrauded consumers regarding their mortgage and I wanted to make sure my foreclosure ( case ) was included. 

I purchased a home in XXXX of XXXX in the city of XXXX Texas and Wells Fargo was who handled my loan a few years later I lost my job and was unable to make my payments. About XXXX  months later I returned to work and contacted Wells Fargo to work with me on a modification to my mortgage. They refused to work with me and told me my only option was to pay the overdue amount in full which was greater than XXXX} at that time. Unable to come up with that sun of money I had no option but to leave my home and Wells Fargo foreclosed on my home. 

Needless to say I had to suffer the aftermath of having a foreclosure on my credit for years and unable to buy a new home. 

Now with the news of Wells Fargo being found guilty of malpractice I feel like I was a direct visit run of these practices. Please see if I am due any monies due to their handling of my mortgage account. 

Please note I no longer live at this home and this account was foreclosed on in XXXX. I no longer have the loan or account number. I can provide my social security number if needed. I did provide the home address so I simple search should locate this account. 

For any additional info please contact me. 

Thank you for your time!
Consumer complaint received 2023-01-23
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. (OH)

I am a living being, I have rights 15 USC 1681. XXXX is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give XXXX written permission to furnish these accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I receive AMEX gift cards from my employer. I have had trouble finding anywhere that will accept it. It declines in person and declines online. I have tried purchasing other gift cards and it declines, as well as adding it to XXXX ( XXXX FAQ says you can added prepaid credit cards to wallet ) - not accepted. I just have a bunch of money sitting on plastic cards I can not use.
Consumer complaint received 2023-06-28
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (CA)

On XX/XX/2022 I was the victim in a XXXX  money transfer scam. I tried to cancel the transfer but I was not able to and the other party involved received the funds. I have requested a payment back from that party for the amount and I have received no answer. 

I have also requested my bank institution to dispute this transaction but they claim that because it was authorized from my end, without my being aware that this was a XXXX scam, it is not under purchase protection, and therefore can not be disputed as such However, I was under the impression that all money in the United States is covered under the FDIC. If money is fraudulently stolen or wired out of my account the bank is responsible for reversing that transaction and possibly flagging and Reporting the recipient for investigation. 

In refusing to reverse the fund transfer, i believe my Banking institution is being complicit in a crime, given that a legitimate bank account and personal information is required to link XXXX. Meaning that they could easily trace back the funds taken from my account but are refusing to.
Consumer complaint received 2022-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (TX)

Our original loan was a 15 year mortgage. The end date was XXXX. All payments were made on that loan. Why is this account still open and taking payments through XXXX? 
Spoke to Huntington to no avail. They are allegedly investigating. This mortgage was never refinanced. We are seeking a refund of monies paid in excess, and a dissolution of a single repeated XXXX charge that they can not explain, but never removed. 
Sincere thanks, XXXX XXXX
Consumer complaint received 2022-09-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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 2022-09-16
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. (FL)

In accordance to 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. 

XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

I received an alert from Experian that XXXX  XXXX XXXX made a credit card inquiry on XX/XX/2022. I did not apply for a credit card at XXXX  XXXX XXXX. I called XXXX  XXXX XXXX and they had a credit card application with my name, address and phone number and social security number. A card was opened with a spending limit of {$20000.00}. No charges had been made to the card by the time I had called.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (OH)

I have filled out a 1099A form for Fortiva, and the IRS accepted it on XX/XX/2024. This form has now become a certificate of indebtedness and is considered income. Companies generally discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again. Please update my accounts ending in XXXX and XXXX and mark them as paid as agreed by all third-party agencies.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

My account was frozen with no warning, cause or reason. I have recently been attempting to inquire the reason for this closure and they explain it was as a result of an attempted forgery. I reported the identity theft to them and they will not allow me to open another account, this is the bank that i conduct most my operations with and would like the option to reopen a relationship.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BILL.COM, LLC (CO)

I had a tenant who applied for XXXX XXXX XXXX  to avoid being evicted. After a long battle the XXXXXXXX XXXX XXXX approved his application. The XXXX  XXXX XXXX utilizes XXXX to send payments. I had provided all documents and passed verifications with the XXXXXXXX XXXX XXXX, hence why they issued the payment. I got an email from XXXX saying I had been paid and to enter my personal information. I did that and the payment processed. It was for a later date then i thought so I was on chat with support which took forever. I was kind of playing around seeing what XXXX was about. Not doing any transactions. I added my other bank. I was getting very misleading information from the chat support and it wasnt making sense, They werent answering my questions and at one point XXXX XXXX just refused to respond. I lost my trust in this company I went and removed my bank, I asked for my personal information to be removed after the payment was made. No response. I get an email from their Risk Operations via email XXXX asking for personal information to be sent. It was information on the account that I had already disconnected from their platform and made no transaction with. I repeatedly asked why, that account isnt on XXXX. It violates Banking Privacy Laws. I was not comfortable providing information to this company. I had no choice but to make an account to get the payment so that a family would not be on the streets. They blocked the already verified payment and used that as leverage to force me to give them information on an account they had to legal right to ask about. It was say no and my tenant was evicted or comply and they send the payment. I did comply and they released the payment. I asked for names, department contacts, they would not answer any question that would give me an opportunity to inquire about their practices. I feel my right have been violated, and banking privacy laws were violated
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (VA)

XXXX XXXX XXXX XXXX Stonington Ct. 
Virginia XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : ALLY FINANCIAL Inquiry XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

Iam qualified for the loan from XXXX XXXX for {$5000.00}, there is not to have acces to that money, because Chexsysteme reported I have an oustand balance of {$130.00} from XXXX XXXX account ending XXXX. I call XXXX XXXX  spoke with them they said : they dont report to Chexsystem and they report to XXXX, XXXX  XXXX and XXXX XXXX And XXXX  doesnt recognize that bank account et that outstanding balance, that is why I am writing to you to help me to remove that information in my credit report.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

A wire transfer was completed with my savings account at Citizens Bank that WAS NOT authorized by me. When I filed the claim for wire fraud, I was not credited due to their investigation claiming fraud did not occur. When I called the customer service line to request documentation, I never received any documents in the mail. I went to my local branch, who reviewed my claim, and stated my claim was not processed because I have previous history with wire transfers and similar amounts. The branch XXXX reviewed my account and confirmed he didnt see any wire transfers with my savings. I have never used nor authorized a wire transfer from my Citizens Bank accounts. I have had several larger deposits and withdrawals, but I was well aware of that activity and in contact with Citizens Bank.
Consumer complaint received 2023-05-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report Please verify the following accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  XXXX XXXX : {$380.00} XXXX XXXX XXXX  XXXX Balance {$660.00} XXXX XXXXXXXX XXXX Balance {$1400.00} XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXXXXXX XXXX Balance : {$380.00} Be advised that this complaint is my follow-up to make sure that the listed accounts are verified.