davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (IL)

I opened my BBVA checking account on XX/XX/2017 to take advantage of an online offer the bank was promoting. The promotion details can be found below. I met all the requirements and contacted the bank via their secure messaging system. Each time, they tell me to visit a branch, however this was not part of the promotion and there are no branches near me.

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, Clearconnect Checking, and Easy Checking.

Eligible accounts for residents of AL, AZ, CA, CO, FL, NM, TX include BBVA Compass ClearChoice Free Checking, BBVA Compass ClearChoice Interest Checking, ClearConnect Checking, and Easy Checking.

Only BBVA Compass ClearChoice Interest Checking and ClearConnect Checking are eligible accounts for residents of all other states.

Offer is valid for accounts opened in branch, online, or by phone Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them.
Consumer complaint received 2022-10-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXX & XXXX Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX is reporting inaccurate information. FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is
inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
pls remove or delete account
Consumer complaint received 2018-03-02
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. (CO)

On XX/XX/XXXX I wrote to Equifax and disputed multiple accounts that were not mine as a result of identify theft. I requested the information blocked. I included a copy of my identity theft police report made with the XXXX CO police department and a copy of my CO drivers license and XXXX XXXX statement proving my identity. 

On XX/XX/XXXX I received a responce denying my request On XX/XX/XXXX I wrote to equifax and disputed the same accounts that were not mine. I included the same documentation stated above and additionally provided a copy of my identity theft report with the FTC from identifytheft.gov On XX/XX/XXXX I received a responce denying my request. 


A family member opened multiple accounts under my name without my knowledge while living at the same address. XXXX and XXXX have both agreed to block this information. I provided all the documentation as required for idenity theft but Equifax failed to remove the fraudulent accounts.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My family was going through a hardship and we had a mortgage with Wells Fargo. I contacted Wells Fargo and they had me submit numerous documents and letters explaining the hardship. They offered us monthly payments I believe of {$2100.00} instead of XXXX for only one year and they wanted us to contact them to negotiate a modification I did so and paid my 12 months timely when the time was up I contacted Wells Fargo and they told me there was nothing they could do did not even work with us. The Home went into a short sale for closure. The hardship became worse when we had no home and XXXX little children. I will never bank with Wells Fargo again.
Consumer complaint received 2023-01-21
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmailXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX did not give me lawful consideration only God can create something of value from nothing. I now demand said persons to cease and desist from all communication including credit reporting agencies.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C. (AZ)

I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that Gurstel Law Firm was representing XXXX XXXXXXXX for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that Gurstel had obtain a judgement. I sent that document to XXXX. I also reached out to Gurstel to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that Gurstel would not work with them because I owned that debt. I keep receiving notifications that Gurstel has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. 
I can not get help from Gurstel and Gurstel wont speak with XXXX.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

On or around XX/XX/2021, I contacted XXXX in regard to, a mix of credit file information with my deceased father 's information. I filled out an identity theft packet, and I was advised : " the count would be removed from my credit file. ''
Consumer complaint received 2022-11-12
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. (MO)

This is my 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 XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Consumer complaint received 2023-01-21
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 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 2023-01-15
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. (GA)

***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, CC : XXXX XXXX  XXXX. Equifax, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.
Consumer complaint received 2023-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

We applied for a car loan with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and found fraudelent activity on our experian credit report regarding XXXX for {$4200.00}. We went online to experian and online they told us to file a complaint online which we did. I got a copy of my credit report and it had a partial number so I called XXXX ( which we have our cell phones with XXXX but are current and have never had a problem ), I called XXXX and explained our situation and spent 3 hours on the phone with several different associates, including their fraud department. Thru my social security number they have no outstanding anything, only show our cell phone service. They told us to call back experian and get a full account number not a partial that is on my experian credit report. We have tried and tried multiple times to call experian and we can not get thru to a customer service agent. We need actual full account numbers to call XXXX. It says on a recording that you have to file a a dispute online, ( which we did ) and that we are unable to speak to a customer service agent. It says to call the number on the credit dispute which we did but it still takes you to their main number and will not let you speak to anyone. We got a letter that XXXX investigated and will be reporting to experian until XX/XX/XXXX. We filed an additional claim, and we just got another dispute result from experian and now there is another claim from XXXX for XXXX XXXX XXXX which I have never had in the amount of {$1900.00}. 
We need to speak with customer service at experian and get the full account numbers and to dispute this fraud. I put a fraud alert and block on my experian account so nobody could add anything additional in my name without my permission which how could this XXXX be added.
Consumer complaint received 2023-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion on XX/XX/23. I dialed ( XXXX ) XXXX. I spoke to a male agent in the XXXX who identified as XXXX. My call was on or around XXXX XXXX XXXX 
I told the agent the call center in the XXXX has agents that have been deliberately disconnecting the call on me. The agent then said due to my unprofessionalism, he is going to end the call. He then disconnected the phone call. I was not unprofessional. This prevented me from filing a dispute. There is inaccurate information on my TransUnion credit report. Consumers have a right to submit a valid complaint. I then called back a few minuets later and spoke to a agent who identified as XXXX in the XXXX. This agent then immediately disconnected the call at the very beginning of the phone call. 

This has become the norm at the XXXX XXXX and is highly inappropriate.
Consumer complaint received 2023-01-14
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the fair credit reporting act Navy Federal has violated my rights. 
They are reporting inaccurate late payment information from XX/XX/2022. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XX/XX/2023
Consumer complaint received 2024-02-22
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. (NJ)

XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( XXXX, EXPERIAN XXXX XXXX ) Payment History ( EXPERIAN & XXXX )
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX and Equifax Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the black marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXXXXXX XXXX XXXX, Last reported XXXX XXXX XXXX XXXX$190.00} XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Closed : XXXXXXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXXXXXX XXXX XXXX- I never filled an application out so I'm not sure what this is XXXXXXXX XXXX XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXXXXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX 
XXXXXXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?
Consumer complaint received 2021-12-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit, Inc (TX)

Vw credit has violated 15 usc 1635 and 15 usc 1692d. 
They have admitted that it has no merit and this is another violation seeing as their actions and inactions are a violation of these U.S. codes. 

They have also failed to provide the disclosed material that was given to me in accordance with 15 usc 1635. 

VWcredit has admitted to an additional finance charge. This is illegal as it is supposed to be the sum of all charges. 

All actions against me since XX/XX/2021 when they received their dispute Of debt, are a direct violation of 15 usc 1692g ( d ).
Consumer complaint received 2023-01-21
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. (NY)

I sent a letter to XXXX, Experian, XXXX, and XXXX on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, Experian, XXXX, and XXXX have 30 days to respond to my dispute this is a violation of my rights
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I had purchased a sofa with XXXX XXXX  and opted to take out the promotional credit card from Synchrony Bank, in which there was a promotional no-interest on the loan. I had setup auto-pay assuming that the final month of the promotional period would pay for the loan amount. 

I had made the purchase XX/XX/XXXX, and had setup autopay immediately. 

XXXX years later in 2022, I had been charged the interest on the principal on the loan, unaware that autopay did not fully pay off my loan, thus an additional interest charge of {$1800.00} was charged to me. In XX/XX/2022, I made calls and requests to pay off the remaining principal in hopes of getting the interest charge removed, but after talking to XXXX different agents, all agents refused to refund me the interest. 

I do not check my emails that often, and being charged surprise interest while having autopay on is surprising considering all other companies I've use have been quite ethical.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.